517 Verbena Ct, Encinitas, CA 92024 Property Records

San Diego County property record for 517 Verbena Ct, Encinitas, CA 92024

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,416 sqft · built 2003
Lot Size	0.18 acres (7,849 sqft)
Owner	Individual Name on Record
Last Sale	$2,650,000 (Feb 2024)
Tax Bill	$33,305 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2021 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`254-701-26-00`

Property Details

APN / Parcel Number

Primary APN	`254-701-26-00`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Building Area	3,416 sqft Living Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	7,849 sqft (0.18 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	517 VERBENA CT
City	ENCINITAS
State	CA
Zip	92024-2385
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ER-SFR3V
Legal Description	LOT 62 TR 014257
Legal Subdivision	ENCINITAS ESTATES
Legal Tract	014257
Legal Block	2
Legal Lot Number	62
Jurisdiction	SAN DIEGO CA
Township / Civil Division	SAN DIEGO
Census Block Group	2
Census Block	2000
Census Tract	17605

Owner

Source: San Diego County records, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	517 VERBENA CT, ENCINITAS, CA 92024-2385
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Nov 30, 2021	Deed of Trust, Mortgage · Line of Credit ZB NA
May 28, 2026	Gift Deed, Transfer · Conventional Mortgage US BANK
Feb 26, 2024	Grant Deed, Transfer · Conventional Mortgage US BANK NA
Feb 26, 2024	Intrafamily Transfer, Transfer EQUITY TITLE-LOS ANGELES, EQUITY TITLE LOS ANGELES
Oct 9, 2017	Deed of Trust, Mortgage · Line of Credit COMPASS BANK
Dec 2, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST CHOICE LOAN SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2024 · Amount on Record
Deed Sale	Feb 26, 2024 · Amount on Record
Prior Sale	Apr 27, 2015 · Amount on Record
Deed Document Number	202447273
Last Transfer Date	Mar 2, 2026
Transfer Doc	0000151720
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	517 VERBENA CT, ENCINITAS, CA 92024-2385
Transaction Type	Mortgage
Record Updated	Jun 10, 2026
Title Company	CHICAGO TITLE COMPANY-SD, CHICAGO TITLE COMPANY SD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 VERBENA CT, ENCINITAS, CA 92024-2385

Mortgage

Document Number	0000325199
Date	Apr 27, 2021
Instrument	2021-0325199

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	517 VERBENA CT, ENCINITAS, CA 92024-2385
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 VERBENA CT, ENCINITAS, CA 92024-2385

Mortgage

Document Number	0000815097
Date	Nov 30, 2021
Instrument	2021-0815097

Lender

Name	ZB NA
Type	Bank
Address	CARLSBAD, CA 92011

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	SAN DIEGO CA
Recording Date	May 28, 2026
Property Address	517 VERBENA CT, ENCINITAS, CA 92024-2385
Document Number	0000151720
Instrument Date	Mar 2, 2026
Instrument	2026151720
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	517 VERBENA CT, ENCINITAS, CA 92024-2385

Mortgage

Document Number	0000151721,
Date	May 28, 2026
Instrument	2026151721

Lender

Name	US BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2024: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 26, 2024
Property Address	517 VERBENA CT, ENCINITAS, CA 92024-2385
Document Number	0000047273
Map Reference	MAP 14257
Instrument Date	Feb 14, 2024
Instrument	2024-0047273
Transaction Type	Transfer
Record Updated	Mar 6, 2024
Title Company	EQUITY TITLE-LOS ANGELES, EQUITY TITLE LOS ANGELES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	517 VERBENA CT, ENCINITAS, CA 92024-2385

Mortgage

Document Number	0000047274
Date	Feb 26, 2024
Instrument	2024-0047274

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Feb 26, 2024
Property Address	517 VERBENA CT, ENCINITAS, CA 92024-2385
Document Number	0000047272
Map Reference	MAP 14257
Instrument Date	Feb 2, 2024
Instrument	2024-0047272
Transaction Type	Transfer
Record Updated	Mar 6, 2024
Title Company	EQUITY TITLE-LOS ANGELES, EQUITY TITLE LOS ANGELES

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12936 VALLEY VIEW CT, APPLE VALLEY, CA 92308-6184

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN DIEGO CA
Property Address	517 VERBENA CT, ENCINITAS, CA 92024-2385
Transaction Type	Mortgage
Record Updated	Dec 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 VERBENA CT, ENCINITAS, CA 92024-2385

Mortgage

Document Number	0000465075
Date	Oct 9, 2017
Instrument	2017-0465075

Lender

Name	COMPASS BANK
Type	Bank
Address	MURRIETA, CA 92562

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Sep 25, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SAN DIEGO CA
Recording Date	Dec 2, 2019
Property Address	517 VERBENA CT, ENCINITAS, CA 92024-2385
Document Number	0000559100
Map Reference	MAP 14257
Instrument Date	Nov 20, 2019
Instrument	2019-0559100
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	517 VERBENA CT, ENCINITAS, CA 92024-2385

Mortgage

Document Number	0000559101
Date	Dec 2, 2019
Instrument	2019-0559101

Lender

Name	FIRST CHOICE LOAN SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Mortgage

Document Number	0000559102
Date	Dec 2, 2019
Instrument	2019-0559102

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: San Diego County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	California
County	San Diego County
Municipality	Encinitas City
Elementary School District	Encinitas Union Elementary School District (KG - 06)
Secondary School District	San Dieguito Union High School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$2,757,060 (+2%) Land $2,080,800 Building $676,260
2025	$33,305.00 (+80.63%)	$2,703,000 (+99.14%) Land $2,040,000 Building $663,000
2023	$18,438.00 (+3.54%)	$1,357,330 Land $693,105 Building $664,225
2022	$17,807.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SAN DIEGUITO WD serves 40,405 people · EPA ID CA3710021
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2022
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 569 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ting Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Cox Communications, GeoLinks, Verizon.

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